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近日,银监会起草了《商业银行委托贷款管理办法(征求意见稿)》,并开始向社会公开征求意见。规范将降低社会融资成本近期,中国银行业监督管理委员会发布了《商业银行委托贷款管理办法(征求意见稿)》(以下简称《办法》),拟明确委托贷款属中间业务,禁止将银行授信资金作为委托贷款资金来源。委托贷款是指委托人提供资金,由银行(受托人)根据委托人确定的借款人、用途、金额、币种、期限、利率等代为发放、协助监督使用并收回的贷款。
Recently, the CBRC drafted the Measures for the Management of Entrusted Loans by Commercial Banks (Draft for Comment) and started to solicit opinions from the public. Recently, the China Banking Regulatory Commission released the Measures for the Management of Entrusted Loans of Commercial Banks (Draft for Comment) (hereinafter referred to as the Measures), and it is proposed that the entrusted loans should be clearly defined as intermediary businesses. It is forbidden to put bank credit facilities As a source of funds entrusted loans. Entrusted loans refer to the funds provided by the client, which are distributed by the bank (trustee) on the behalf of the borrower, purpose, amount, currency, term and interest rate determined by the client to assist the supervisor in using and recovering the loan.